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The Fair and Accurate Credit Transactions Act was signed into Federal law in December 2003 (the FACT Act). The most publicized provision of the FACT Act changes the Fair Credit Reporting Act (FCRA) to allow consumers a free annual credit report from each of the three national credit reporting agencies. The three national credit bureaus are Equifax, Experian and Trans Union.
The purpose of this video is to help you get your free yearly credit report that you are entitled to by Federal Law.
You can order your free yearly credit report by one of three ways - by phone, by mail, or online using the Internet.
More links related to Annual Free Credit Report:
Questions regarding your Annual Free Credit Report:
Q. What if I need my credit report more than once a year?
A. Some sites offer credit reports without monitoring to consumers for a fee. More commonly, some credit monitoring services offer new credit reports either as part of their service, or for an additional fee. This credit monitoring service offers quarterly updates to your 3 reports and credit scores as part of their credit monitoring benefits.
Q. What if my annual free credit report has errors in it?
A. Generally if you are successful in getting your 3 credit reports from the central site2, it will include instructions for filing disputes with each of the 3 credit bureaus for items in your credit report that are not accurate. Normally the dispute process would be online if you got the reports online.
Q. What if I can't get my free annual credit report?
A.
Depends on why you can't get your report, but if you fail to get your free annual credit report online, you should try to get it by mail, and include enough supporting evidence to prove your identity, SSN, and address.
1 Form to Request Free Annual Credit Report by Mail